Issues ›
Irresponsible lending
Credit granted without adequate affordability or creditworthiness checks.
31,136banking decisions on this issue
45.0%upheld where an outcome is recorded
40firms with 20+ decisions here
Rules the ombudsman applied
Derived from the rules actually cited in these decisions, ranked by how often they appear — not from an editorial view of which rules matter.
Consumer Credit Act 1974 · cited in 7,594
Consumer credit rights, including Section 75 joint liability for card purchases.
FCA CONC (Consumer Credit sourcebook) · cited in 5,188
Conduct rules for consumer credit, including affordability and arrears handling.
FCA DISP (Dispute Resolution) · cited in 2,143
How firms must handle complaints and how the Ombudsman decides them.
Financial Services and Markets Act 2000 · cited in 193
The statute that creates the FCA and the Financial Ombudsman Service.
FCA Consumer Duty (PRIN 2A) · cited in 67
Requires firms to deliver good outcomes for retail customers.
Equality Act 2010 · cited in 56
Duties toward customers with protected characteristics, including reasonable adjustments.
Which firms lose on this
Firms with fewer than 20 decisions on this issue are excluded — the rate would not mean anything.
In the ombudsman’s words
added his overdraft to a loan without his knowledge and that this has caused him financial difficulties
Miss H says Harvey & Thompson Limited (H&L) irresponsibly lent to her.
Mr M complains that Casheuronet UK LLC (trading as QuickQuid) lent him money without checking properly that he could afford to pay it back.
Mr J says Elevate Credit International Limited, trading as Sunny (“Sunny”), irresponsibly lent to him.
Quotes are shown only where the exact wording was verified against the decision text.